Loan Rates

Take a look at our alternative to traditional loans.

With a variety of features and benefits, you can find the loan that offers the best value and the right fit for you.

Please Ask Our Loan Department for Most Current Rates & Further Details

Text Our Loan Department: (315) 888-5559

1st Lien Position Home Equity Loan

Loan Amount Term LTV Fixed Rate APR* (As Low As)
$15,000+ 5 years up to 80% 4.95%
$15,000+ 5 years up to 90% 6.00%
$15,000+ 10 years up to 80% 5.49%
$15,000+ 10 years up to 90% 6.50%
$15,000+ 15 years up to 80% 5.88%
$15,000+ 15 years up to 90% 6.63%


*Annual Percentage Rate. No Closing Cost offer dictates the following being paid by Countryside Credit Union: appraisal; title search; recording fees; filing fees; and flood certification. Borrowers are responsible for paying NYS mortgage tax. Closing costs must be reimbursed to the credit union if the home equity loan is closed within 3 years. Rate quoted is for 5 years at 80% LTV in noted lien positions. Alternate rates available for LTVs of up to 90% of home’s value. Rates are determined by term, overall credit history, LTV, and type of property. Conventional stick-built residences and seasonal residences only. Ask about our Loan Life and Disability Protection and Homeowners Insurance.

Rates accurate as of 11.22.2022. Rates subject to change.


2nd Lien Position Home Equity Loan

LOAN AMOUNT TERM LTV FIXED RATE APR* (AS LOW AS)
$15,000+ 5 years up to 80% 5.75%
$15,000+ 5 years up to 90% 6.50%
$15,000+ 10 years up to 80% 6.25%
$15,000+ 10 years up to 90% 7.00%
$15,000+ 15 years up to 80% 6.38%
$15,000+ 15 years up to 90% 7.13%

 
*Annual Percentage Rate. No Closing Cost offer dictates the following being paid by CCU: appraisal; title search; recording fees; filing fees; and flood certification. Borrowers are responsible for paying NYS mortgage tax. Closing costs must be reimbursed to the credit union if the home equity loan is closed within 3 years. Rate quoted is for 5 years at 80% LTV in noted lien positions. Alternate rates available for LTVs of up to 90% of home’s value. Rates are determined by term, overall credit history, LTV, and type of property. Conventional stick-built residences and seasonal residences only. Ask about our Loan Life and Disability Protection and Homeowners Insurance.

Rates accurate as of 11.10.2022. Rates subject to change.

 

1st Lien Position Home Equity Line of Credit

CREDIT LINE LTV VARIABLE RATE APR* (AS LOW AS)
$7,500 - $100,000 up to 80% 3.95% APR for 12 months
    6.75% APR thereafter (prime - .25%)
$7,500 - $100,000 up to 90% 7.50% (prime + .50%)
$7,500 - $100,000 up to 100% 8.25% (prime + 1.25%)


*Annual Percentage Rate. No Closing Costs as long as the line of credit remains open for 36 months. Rate is adjustable and subject to change monthly. Rate based on Wall Street Journal Prime Rate plus or minus a margin. Margin is based on the amount of the Credit Line, the borrower’s credit history, and the Loan To Value (LTV) ratio. **3.95% APR is fixed for the first year when the borrower meets certain underwriting guidelines. After the first 12 months, it adjusts to a variable Prime Interest Rate -.25% thereafter on borrowed amounts of $7,500.00 (minimum loan amount) to $100,000.00 (maximum loan amount). Rates quoted are for up to 80% LTV, 90% LTV and 100% LTV. Rates are determined by term, overall credit history, LTV, and type of property.

Cap of 2% per change, 6% per Year, Maximum Rate of 16%, Rate Floor of 3.00%. 5 Year Draw period and repayment period of up to 240 months (depending on balance due at the end of draw and product selected). 1-4 family, owner-occupied residences and seasonal residences. Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater. Ask about our Loan Life and Disability Protection and Homeowners Insurance. Please review our HELOC disclosure and brochure for more information about HELOCs.

 

2nd Lien Position Home Equity Line of Credit

CREDIT LINE LTV VARIABLE RATE APR* (AS LOW AS)
$7,500 - $100,000 up to 80% 3.95% intro APR for 12 months**
    6.75% APR thereafter (prime - .25%)
$7,500 - $100,000 up to 90% 8.50% (prime + 1.50%)
$7,500 - $100,000 up to 100% 9.25% (prime + 2.25%)


*Annual Percentage Rate. No Closing Costs as long as line remains open for 36 months. Rate is adjustable and subject to change monthly. Rate based on Wall Street Journal Prime Rate plus or minus a margin. Margin is based on the amount of the Credit Line, the borrower’s credit history, and the Loan to Value ratio.

**3.95% APR is fixed for the first year, then adjusting to a variable Prime Interest Rate – .25% thereafter on borrowed amounts of $7,500.00 (minimum loan amount) to $100,000.00 (maximum loan amount). Rate quoted is for up to 80% LTV, 90% LTV and 100% LTV. Rates determined by term, overall credit history, LTV, and type of property. Wall Street Journal Prime Rate is 5.50% as of 7/28/22.

Cap of 2% per change, 6% per Year, Maximum Rate of 16%, Rate Floor of 3.00%. 5 Year Draw period and repayment period of up to 240 months (depending on balance due at the end of draw and product selected). 1-4 family, owner occupied residences and seasonal residences. Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater. Ask about our Loan Life and Disability Protection and Homeowners Insurance. Please review our HELOC disclosures and brochure for more information about HELOCs.

 

My Choice Home Equity Loan

RATES AS LOW AS TERM
4.95% Fixed APR 60-months

*Annual Percentage Rate. No Closing Cost offer dictates the following being paid by CCU: appraisal; title search; recording fees; filing fees; and flood certification. Borrowers are responsible for paying NYS mortgage tax. Closing costs must be reimbursed to the credit union if the home equity loan is closed within three years. Rate quoted is for five years at 80% LTV in noted lien positions. Alternate rates available for LTVs of up to 90% of home’s value. Rates are determined by term, overall credit history, LTV, and type of property. Conventional stick built residences and seasonal residences only.

 

My Choice Home Equity Line of Credit

RATE AS LOW AS TERM
3.95% APR 12-month Intro Rate


Annual Percentage Rate. Rate is adjustable and subject to change monthly. Rate based on Wall Street Journal Prime Rate plus or minus a margin. Margin based on the amount of the Credit Line, the borrower’s credit history, and the Loan to Value ratio. 3.95% APR is fixed for the first year, then adjusting to a variable Prime Interest Rate – .25% thereafter on borrowed amounts of $7,500.00 (minimum loan amount) to $100,000.00 (maximum loan amount) at A+ credit. Rate quoted is for 80% LTV. Alternate rates for LTVs of up to 100% of home’s value are available depending on credit. Rates determined by term, overall credit history, LTV, and type of property. Wall Street Journal Prime Rate currently is 5.75%. Last change date was 4/16/20. Rate Cap of 2% per change, 6% per Year, Maximum Rate of 16%, Rate Floor of 3.00%.

5 Year Draw period and repayment period of up to 240 months (depending on balance due at the end of draw and product selected). 1-4 family, owner-occupied residences and seasonal residences. Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater.

Please review our HELOC disclosure and brochure for more information about HELOCs.

 

Auto Loans

RATES AS LOW AS TERM
4.24% Fixed APR 48-months
4.49% Fixed APR 66-months
4.74% Fixed APR 75-months
5.24% Fixed APR 84-months


The annual percentage rate is the advertised rate and can vary based on creditworthiness, age of vehicle, and terms of the loan. Contact Countryside Credit Union for specific details. Rates are accurate as of 11.10.22. Rates subject to change.

 

Recreational – Boats, Motorhomes, Campers, RVs, etc.

MODEL YEAR LOAN AMOUNT TERM APR (AS LOW AS) SAMPLE PAYMENT
2012-2022 up to $25,000 up to 84 months 5.25% $142.00
2012-2022 $25,000-$50,000 up to 120 months 5.75% $271.00
2012-2022 $50,000 + up to 180 months 6.25% $429.00


Sample payments based on $10,000, $25,000 and $50,000 loans respectively at the maximum term allotted for that balance. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Loans for collateral older than 10 years are factored at personal/unsecured loan rates. Ask about our Loan Life and Disability Protection, GAP Coverage and insurance.

 

Overdraft Line of Credit (ODLOC)

TERM APR
Revolving 14.5%


The monthly payment is $25 or 3% of the balance, whichever is greater. When the line is used as a loan advance there is a minimum $50 transfer to checking required. The Annual Percentage Rate (APR) is the advertised rate and can vary based on creditworthiness and terms of the loan. Ask about our Loan Life and Disability Coverage.

 

Personal

TERM FIXED RATE APR (AS LOW AS) SAMPLE PAYMENT
0-36 months 7.45% $31.00
37-72 months 7.95% $18.00


Sample payments based on $1,000 loan at 36 months and 72 months respectively. The annual percentage rate is the advertised rate and can vary based on creditworthiness and terms of the loan. Ask about our Loan Life and Disability Coverage.

 

** Please call for details and a complete disclosure.